The First National Bank of Manchester
Also written as FNB of Manchester
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Data as of · sourced from FFIEC call reports. How we update
The First National Bank of Manchester is an FDIC-insured commercial bank headquartered in Manchester, KY, established in 1905 (FDIC certificate 2708), and it is supervised by the OCC. At Q2 2026 it reported total assets of $230.1M, up 0.4% from Q2 2025, the 75th largest of 120 banks headquartered in Kentucky. Its CET1 capital ratio was 14.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 2708
- Headquarters
- Manchester, KY
- Established
- 1905
- Total assets, Q2 2026
- $230.1M
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 14.52%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 042105442
- Latest call report
- Q2 2026, FFIEC 051 · The First National Bank of Manchester Q3 2026 call report, filed October 26, 2026 (preliminary)
- Holding company
- FIRST NATIONAL FINANCIAL CORPORATION
- Asset rank in state
- 75th of 120 in Kentucky
The First National Bank of Manchester earns an unusually wide margin on its lending. Its balance sheet stood at $230 million at June 30, 2026; it is based in Manchester, Kentucky. It keeps 4.62 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,627 banks with $100 million to $1 billion in assets (median 3.96 cents). It also shrank its loan book 0.9% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $573,000, 52% above the same quarter a year earlier. Problem loans, meaning loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.62% of loans from 1.51% a year earlier. Credit is the area to watch: it carries problem assets equal to 10.3% of the capital and reserves that would absorb them, 3.9 times the median of 2.7% for banks its size.
As of June 30, 2026, The First National Bank of Manchester reported a CET1 capital ratio of 14.52%, a return on assets of 0.98%, a nonperforming-loan ratio of 1.62% and a Texas ratio of 10.31%. The figures come from its call report filed with the FFIEC.
The First National Bank of Manchester ranks as the 75th largest of the 120 banks based in Kentucky, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.6% to $230.1M, loans rose 0.7% and deposits fell 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 38.8% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.2%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in KY; its Manchester 3 offices book 77% of its branch deposits. On its Q2 2026 call report, The First National Bank of Manchester meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 Town Branch Rd, Manchester, KY 40962
- County
- Clay
- Metro Area
- Corbin, KY
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 5, 1905
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 51
- Domestic deposits
- $206.4M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $26K
- Average total assets
- $234.0M
- Average total loans
- $157.2M
- Average interest-bearing deposits
- $143.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2708
- Fed RSSD
- 719610
- Website
- www.fnbmbank.com →
- Parent Holding Company
- FIRST NATIONAL FINANCIAL CORPORATION (RSSD 1427220)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The First National Bank of Manchester's total assets moved between a low of $216.1M (Q2 2024) and a high of $243.3M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$230.1M total assets against $229.1M; $207.5M total liabilities against $208.5M.
$155.2M net loans and leases against $156.7M; $206.4M total deposits against $207.2M.
$44.4M securities against $38.2M; $19.9M cash and balances due against $22.9M.
$3.2M total interest income against $3.3M; $735K total interest expense against $921K.
$2.5M net interest income against $2.4M.
$252K total noninterest income against $261K; $2.1M total noninterest expense against $2.2M.
$0 provision for credit losses against $0.
$573K net income against $376K.
0.98% return on assets against 0.63%; 4.62% net interest margin against 4.36%.
14.52% CET1 capital ratio against 13.92%; 9.86% tier 1 leverage ratio against 9.11%.
Inside the full The First National Bank of Manchester terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The First National Bank of Manchester rankings
Its closest position to the top of a national ranking is 610 of 3,640, for Texas Ratio; its furthest is 3,067 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.03% (Q4 2025) to 0.98% (Q1 2026) and its net interest margin ran from 3.90% (Q1 2025) to 4.62% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.52% | 0.98% | 1.62% | 10.31% | 4.62% |
| Q1 2026 | 14.42% | 0.98% | 2.16% | 14.09% | 4.58% |
| Q4 2025 | 13.99% | 0.03% | 1.87% | 12.50% | 4.41% |
| Q3 2025 | 13.90% | 0.68% | 1.78% | 11.97% | 4.45% |
| Q2 2025 | 13.92% | 0.63% | 1.51% | 12.91% | 4.36% |
| Q1 2025 | 14.10% | 0.98% | 1.41% | 9.72% | 3.90% |
| Q4 2024 | 13.19% | 0.44% | 1.10% | 7.91% | 3.98% |
| Q3 2024 | 13.32% | 0.69% | 0.60% | 4.27% | 4.26% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The First National Bank of Manchester | Manchester , KY | 40962 | $147.4M |
| 1211 West Fifth Street London Office Branch | London , KY | 40741 | $40.8M |
| The Manchester Square Branch | Manchester , KY | 40962 | $8.1M |
| Harlan Branch | Evarts , KY | 40828 | $5.3M |
| Park Valley Branch | Manchester , KY | 40962 | $3.6M |
| Lexington Branch | Lexington , KY | 40503 | $1.2M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (OCC); 10 against individuals associated with it
- June 25, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The First National Bank of Manchester
- May 28, 2008, OCC: Formal Agreement: The First National Bank of Manchester
- Period: Most recent institution action June 25, 2012. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in KY, rank 95 of 152 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $750K approved, $750K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1991 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The First National Bank of Manchester
What are The First National Bank of Manchester's total assets?
As of the Q2 2026 filing, The First National Bank of Manchester reported total assets of $230.1 million in its FFIEC call report.
Where is The First National Bank of Manchester headquartered?
It is headquartered in Manchester, KY, United States.
When was The First National Bank of Manchester founded?
It was established in 1905, per the FDIC institution directory.
Is The First National Bank of Manchester FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2708). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The First National Bank of Manchester?
The First National Bank of Manchester's primary federal regulator is the OCC.
What is The First National Bank of Manchester's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The First National Bank of Manchester operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The First National Bank of Manchester's Texas Ratio?
Its Texas Ratio is 10.31% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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